Buying a mobile home (also called a manufactured home) is an affordable alternative to traditional houses that can provide you with more space for your money. They cost less per square foot compared to traditional houses while providing the comforts and amenities.
Whether you’re looking to downsize, save money, or enjoy a simpler way of life, a mobile home may be the perfect housing solution for you.
In this guide, we’ll explore some key things to keep in mind to help better understand what to expect when buying a mobile home in California. By the end, you might be well on your way to finding your dream home!
Storz Management Company has been a leader in managing mobile home communities for over six decades. Since 1957, we’ve been managing mobile home communities across California, Nevada, and Oregon. If you want to know more about our locations, please call us at (916) 989-5333. You can also message us here to see what we have to offer.
Content
- Housing Costs in California
- Benefits of Mobile Homes Compared To Traditional Houses
- Affordability
- Mobility
- Customization
- Energy Efficiency
- Low Maintenance
- Community Living
- Types of Mobile Homes
- Single-Wide Mobile Homes
- Double-Wide Mobile Homes
- Triple-Wide Mobile Homes
- Buying vs. Leasing Land
- Finding the Right Land for Your Mobile Home
- Renting a Mobile Home Park
- Amenities Offered in Mobile Home Communities
- Different Types of Mobile Home Communities
- All Age Communities
- Financing Options in California
- Chattel Mortgage
- Personal Loans
- Government Financing
- Dealer Financing
- Knowing Your Credit Score
- Legal Considerations for Buying a Mobile Home in California
- Regulations and Laws Governing Mobile Homes
- Legal Rights and Protections for Mobile Home Residents
- Tips To Make the Mt of Living in a Mobile Home in California
- Final Word
Housing Costs in California
The cost of a mobile home varies based on size, with larger units having higher prices.
Based on the most recent 2023 report from the U.S. Census Bureau, the cost of a single-wide mobile home on the West Coast is $82,200, while a double-wide unit costs $146,100.
Keep in mind, though, that the cost of outdoor features such as patios and balconies will add to the overall price of the unit. Additionally, since mobile homes are built in a factory, you will need to factor in transportation and installation costs when making your purchase.
If you’re tight on budget, buying an older mobile home is one option. Just anticipate the renovation costs that may come with the unit.
Nonetheless, mobile homes are significantly more affordable compared to traditional homes. In California, 64% of counties have median home values above the national median of $389,800. Four of the top five most expensive counties in the U.S. based on median housing prices are in the Golden State.
What about compared to renting an apartment? It’s worth noting that while mobile homes require an initial investment, purchasing one may be a more cost-effective option in the long term. This is because the monthly payment on a mobile home goes towards owning the property, which in turn allows you to build equity over time.
Benefits of Mobile Homes Compared To Traditional Houses
Mobile homes are built to last and offer numerous benefits over conventional homes, as discussed below.
Affordability
We’ve covered in the previous section how mobile homes are considerably cheaper than traditional houses and renting an apartment. Buying a mobile home is a path to homeownership for those who cannot afford a traditional house.
Mobility
Mobile homes can be moved from one location to another with ease, which is not possible with traditional houses. This mobility feature might be appealing to those who crave wanderlust, allowing homeowners to change their surroundings without having to sell their homes and buy new ones.
Customization
Mobile homes come in various shapes and sizes, and homeowners can customize their homes to their preferences.
From the flooring and wall colors to the kitchen cabinets and bathroom fixtures, you’ll have plenty of options to give your beloved home a personal touch!
Energy Efficiency
Mobile homes are built to be energy-efficient. And you know what that means? Lower energy bills!
With the right insulation, mobile homes can be kept warm during winter and cool during summer. You’ll not have to spend a lot of money on heating and cooling.
Low Maintenance
Mobile homes require less upkeep than traditional houses. Because the materials used in their construction are built to last and can endure wear and tear, you won’t have to allot lots of your hard-earned dollars on repairs and maintenance.
Community Living
Residents of mobile homes often live in communities with shared amenities such as swimming pools, clubhouses, and parks. So, if you value a friendly and social environment, then mobile home living is ideal for you.
Types of Mobile Homes
Mobile homes come in different types, each with its own unique features. Let’s take a closer look at the different types of mobile homes available on the market today.
Single-Wide Mobile Homes
- Most common type of mobile homes
- Typically 14-18 feet in width and up to 80 feet in length
- Perfect for individuals who are looking for an affordable housing option
Double-Wide Mobile Homes
- Twice as wide as single-wide homes, constructed by joining two single-wide units together
- Can be up to 32 feet wide and 80 feet long
- Perfect for families or individuals who need more living space
Triple-Wide Mobile Homes
- Largest type of mobile homes available, constructed by joining three single-wide units together
- Offer plenty of living space and are perfect for large families or people who require extra space for a home office, gym, or storage
Buying vs. Leasing Land
Buying a mobile home is one thing, but finding the land for it is another.
Finding the Right Land for Your Mobile Home
The process of finding land for a mobile home involves several steps to ensure that you select the right location and comply with local regulations.
Here’s a guide to help you in the process:
- Determine Your Budget: Before you start searching, establish a budget for purchasing land. Consider not only the cost of the land itself but also any potential development or utility connection costs. If you’re looking to buy undeveloped land, know that you’ll have to pay several thousand just to connect your property with electric and water lines. The process is expensive and can also get complicated.
- Research Zoning Laws: Check local zoning regulations to verify you can legally place a mobile home on the land you’re considering. Some areas may have restrictions or require specific permits for mobile homes.
- Identify Suitable Locations: Since you are looking for a place to live, consider factors such as proximity to amenities (e.g., schools, shopping centers, healthcare facilities), commuting distance to work, the overall neighborhood environment, and others that are important to you.
- Use Real Estate Websites: Browse real estate websites and online listings tailored to land sales to help you find available land in your desired location.
- Work With a Real Estate Agent: You can also consider hiring a real estate agent specializing in land sales. They can help you find suitable properties, navigate the purchasing process, and provide valuable insights about the local market.
- Visit Potential Sites: Once you’ve identified potential land parcels, take a field trip to each site and assess suitability. Look for factors such as the terrain, soil quality, drainage, access to utilities (water, electricity, sewage), and any potential environmental concerns.
- Check for Restrictions: In addition to zoning laws, check for any deed restrictions, easements, or homeowner association rules that may affect your ability to place a mobile home on the property or dictate its design.
- Consult With Local Authorities: Before finalizing your decision, consult with local planning or building departments to confirm that your intended use of the land complies with all regulations and permits required.
- Consider Financing Options: If you need financing to purchase the land, explore your options with local lenders, banks, or credit unions. Keep in mind that financing for land purchases, especially for mobile homes, may have different requirements than traditional home mortgages. We talked about financing options in the succeeding sections.
- Negotiate and Close the Deal: Once you’ve found the right piece of land, negotiate the purchase price with the seller. Work with a real estate attorney to review the purchase agreement and make sure all legal requirements are met before closing the deal.
- Remember to take your time and thoroughly research each potential land parcel (no matter how tedious) so you’ll be confident it meets your needs and fits your budget and legal requirements.
Renting in a Mobile Home Park
For most folks, renting in a mobile home park is the best way to go. Many mobile home communities in California, such as those managed by Storz Management Company, offer modern amenities like swimming pools, spas, fitness centers, and more.
Renting a mobile home park is relatively inexpensive compared to buying and developing land. Additionally, upkeep expenses could be sliced off your budget pie since the park handles everything for you.
Amenities Offered in Mobile Home Communities
Living in a mobile home community is an excellent way to enjoy the benefits of homeownership while still having the flexibility to move around. It also means having access to amenities that can make life more comfortable, convenient, and enjoyable.
Check out the following amenities you can expect to find in mobile home communities:
- Clubhouse: Most communities feature a clubhouse where residents can gather and socialize. These clubhouses are typically equipped with a kitchen, a dining area, and a lounge where residents can relax and watch television.
- Swimming Pool: A swimming pool is a great way to stay cool during the hot summer months, and many communities have a pool where you can splash your stress away.
- Fitness Center: Mobile home communities often have a fitness center with cardio equipment, weight machines, and free weights so you can stay in shape and achieve your fitness goals.
- Playground: Have kids? You’ll be happy to know that many mobile home parks have a playground where the little ones can play and have their share of fun.
- Pet-Friendly Areas: If you have a furry friend, many mobile home communities now have designated pet areas. Who knows, you might even get a chance to meet other pet owners while your furry friend runs and plays!
- Laundry Facilities: Some mobile homes do not have laundry facilities, so having access to a laundry room in your community is a lifesaver.
- Gated access: Some mobile home parks are gated, providing an additional level of security for residents.
- On-Site Management: Another perk of living in a mobile home community is having on-site management who can help with any issues that may arise.
Different Types of Mobile Home Communities
Mobile homes can be found in a variety of communities, each with its own unique characteristics and amenities. In this section, we’ll explore the different types of mobile home communities, so you can get a better idea of what each one has to offer.
All Age Communities
All age communities are mobile home parks that don’t have age restrictions for residents. Anyone, regardless of age, can live in the community.
These communities are often designed to be family-friendly, with amenities that can provide opportunities for families to bond and socialize, such as playgrounds and swimming pools.
For families with young children, these communities offer a safe and affordable housing option. Parents can have peace of mind knowing their children can play with other kids in a safe environment.
For individuals and couples without children, all age communities can offer a sense of community and social interaction. Many all-age communities have events and activities that are open to residents, which can provide opportunities to meet new people and make friends.
If you’re interested in exploring all age communities for mobile homes, you can explore our listings or visit our locations. Our selection of mobile homes offers a range of styles, sizes, and locations to fit your unique needs and preferences.
Smoke Tree Mobile Estates
A serene and peaceful all-age mobile home community in the bustling city of Bakersfield, CA. It offers modern amenities such as a swimming pool, spa, fitness studio, clubhouse, and dog spa, among others.
We’re committed to providing our residents comfortable and convenient living experience. Enjoy the best of both worlds – tranquility and convenience.
See all our mobile homes for sale in Bakersfield, CA
Palm Drive Mobile Estates
An all-age mobile home community located in Desert Hot Springs, CA. With 134 well-appointed spaces, the park offers a secluded and tranquil living environment amidst the desert landscape while providing essential amenities, such as a pool, spa, clubhouse, exercise equipment, laundry room, playground, and basketball court.
Plus, the community is just a quick 15-minute drive from Palm Springs, offering easy access to many recreational opportunities.
See all our mobile homes for sale in Desert Hot Springs, CA
Rancho Grande
A vibrant and welcoming all-age mobile home community nestled in the serene environs of Atwater, CA. The community boasts a host of amenities, such as a sparkling pool, a community clubhouse with cable TV, a communal library, a dog park, and an on-site laundry. It’s located off Highway 99, with easy access to local restaurants, entertainment centers, and the Rancho Del Rey Golf Course.
An ideal place to call home if you seek rural ambiance and urban convenience!
See all our mobile homes for sale in Atwater, CA
Santiam Village North
An all-age mobile home community in Lebanon, OR. This community features modern mobile homes and wide streets. The recreational center has a communal kitchen, a common lawn space, a shared library, and local walking paths. It’s also near major retailers, restaurants, banks, and community parks. Additionally, the city dog park provides opportunities for recreation and socialization.
Despite being near these amenities, the community still offers peace and quiet, making it a great place to call home.
Need more info? Contact us with any inquiries here.
See all our mobile homes for sale in Lebanon, OR
55+ Communities
55+ communities for mobile homes are neighborhoods that cater to retirees aged 55 and above. These communities offer a range of amenities and social activities designed to keep our beloved seniors engaged and connected with one another.
Living in a 55+ community for mobile homes can provide a number of benefits. For starters, it offers a sense of security and peace of mind. You’ll be living among people your own age, which can provide a level of comfort, camaraderie, and an active lifestyle.
Additionally, many of these communities offer a range of services and amenities designed to make life easier and more comfortable to enjoy your golden years.
Storz Management Company also caters to 55+ communities.
Country Squire Estates
A peaceful and scenic 55-or-better mobile home park in the heart of Sacramento, CA. Surrounded by trees and natural beauty, this community is a serene oasis that offers easy access to shops, restaurants, cinemas, and more.
With a wide range of on-site amenities, including a clubhouse, garden area, enclosed dog park, and RV storage, residents can enjoy a comfortable and active lifestyle.
See all our mobile homes for sale in Sacramento, CA
Sierra Portal Mobile Estates
A welcoming and peaceful 55+ mobile home community located in Merced, CA. Located near major highways, residents can easily access nearby parks, shopping centers, and restaurants. The community boasts various amenities, such as a sparkling pool, spa, grand clubhouse, and more.
Whether you’re looking to relax or engage in social activities, Sierra Portal Mobile Estates offers a variety of options for its residents — a great place to call home!
See all our mobile homes for sale in Merced, CA
Santiam Village South
A 55-and-better mobile home community located in Lebanon, OR. Surrounded by mature pines and beside Cheadles Lake, the community maintains a cozy and natural feel while being close to all life’s necessities for retirees or seniors.
The community boasts a recreational center with a communal kitchen, a common lawn space, a shared library, a city dog park, and local walking paths. These amenities provide an opportunity for residents to engage in various activities and socialize with like-minded people while enjoying the serene and peaceful environment.
See all our mobile homes for sale in Lebanon, OR
Got questions? Reach out to us here!
Urban Communities
Mobile homes are becoming increasingly popular in urban communities as well. With the rising cost of living in cities, mobile homes are a way cheaper and more flexible option for individuals and families to live in the heart of the city without breaking the bank.
Urban mobile home communities typically offer more amenities and services vs. rural communities. They may provide easy access to public transportation, shopping centers, and other urban conveniences.
Rural and Small Town Communities
Rural mobile home communities are located in more remote areas and offer a quieter, more peaceful lifestyle. These communities may be situated in a natural setting, such as a forest or near a lake, providing residents with a closer connection to nature.
Rural mobile home communities may also offer more space and larger lots than their urban counterparts. These communities may have more land for gardening or outdoor activities — a great option for those who prefer a more rural (and quieter) way of life.
Financing Options in California
Not everyone can afford to pay for their mobile home using cash. For most people, getting financing is necessary before they can buy their unit.
However, mobile home financing is not as simple as traditional mortgages. Most lenders won’t grant loans for mobile homes unless you’re also buying a piece of land and permanently installing your unit there.
Nonetheless, you have several financing options if you’re looking to purchase a mobile home. The most common are chattel loans, personal loans, government financing, and dealer financing.
Chattel Mortgage
To buy movable properties such as a mobile home or construction equipment, people can take out a chattel mortgage and use the property (or chattel) they are buying as collateral. The lender, in this case, has an ownership interest in the item until the loan is paid back.
This means your mobile home will become the collateral for the loan. Chattel loans typically have shorter terms than regular mortgages. If you default on your loan, the bank may possess your unit and sell it to another person. However, once you’ve repaid the loan, the unit becomes yours.
Notably, it’s easier to get a chattel mortgage compared to other types of loans, even if you have a low credit score.
Personal Loans
You can get a personal loan to finance your mobile home. These loans feature high-interest rates and stricter credit requirements, but they don’t require collateral and are commonly available. They’re a great choice if you have good credit.
Lenders might disallow you from using personal loan proceeds to purchase real estate. However, mobile homes are considered personal property, so you can buy them with a personal loan, provided you qualify for the required amount.
Several banks, credit unions, and online lenders offer personal loans that you can consider.
Government-Backed Programs
There are various government programs for first-time homebuyers that you can use to buy a mobile home.
- Federal Housing Authority (FHA) Home Loan Program: Provides several options for borrowers who intend to buy a suburban home, but there are also loan options available for mobile homes and condominium units. These loans are known as Title I loans and can be used to purchase or refinance a mobile home.
- Single Family Housing Guaranteed Loan Program by USDA Rural Development: Provides options for lenders to assist homebuyers in financing homes in rural areas. This program also includes options for financing manufactured homes, which can help increase the housing supply in rural areas and make homeownership accessible to millions of Americans.
- Department of Veterans Affairs (VA): Offers home loans that veterans can use to buy manufactured homes.
- Fannie Mae or Freddie Mac: Corporations that purchase mortgages from banks. Each of these entities either keeps these mortgages as a part of their own portfolio or repackages them into mortgage-backed securities. Fannie Mae is the nickname of the Federal National Mortgage Association, while Freddie Mac is the nickname of the Federal Home Loan Mortgage Corporation.
Knowing Your Credit Score
Knowing your credit score before buying a mobile home in California is a good idea.
Loan providers have their own credit requirements, and some lenders even conduct hard credit pulls that affect your score just to determine your rates. If you know your credit score, you will have an idea of which lenders you can get a loan from.
Personal loans are a great option if you have good credit. However, if your credit score is less than impressive, you can opt for a chattel or other types of secured loans.
Your credit score will affect your interest rate. So, if you’re planning to buy a mobile with a loan, you can save thousands of dollars annually by improving your credit before applying for a loan.
Legal Considerations for Buying a Mobile Home in California
Another step in buying a mobile home in California is arming yourself with knowledge about legal requirements and protections to make an informed decision and protect your investment. There are specific laws and regulations that govern mobile homes, and residents enjoy unique legal rights related to this type of housing.
Regulations and Laws Governing Mobile Homes
Mobile homes are classified as personal property, and they are regulated by the California Department of Housing and Community Development (HCD).
One of the most important regulations to be aware of is the Mobilehome Residency Law (MRL). The MRL sets out the rights and responsibilities of both mobile home park owners and residents. It covers issues such as rent control, eviction procedures, park maintenance, and utility billing.
In addition to the MRL, there are other laws and regulations that govern mobile homes, such as the Health and Safety Code (HSC) and the Business and Professions Code (BPC). Work with a knowledgeable real estate agent or lawyer who can help you navigate these regulations and ensure your rights are protected.
Legal Rights and Protections for Mobile Home Residents
Mobile home residents in California have legal protections that guarantee fair treatment and respect. Some of these rights include:
- The right to a written rental agreement that outlines the terms and conditions of your tenancy.
- The right to receive notice of any rent increases or changes in park rules.
- The right to a 60-day notice before being evicted, except in cases of non-payment of rent, illegal activity, or other serious violations.
- The right to sell your mobile home without interference from the park owner.
- The right to form a resident association and participate in park management decisions.
Make sure you understand these rights and protections so that you can advocate for yourself. If you feel that your rights are being violated, you can file a complaint with the HCD or seek legal assistance.
Please note that the information above is for general informational purposes only and is not intended to provide legal advice. The laws and regulations governing mobile homes in California can be complex and may vary depending on your specific situation. It is always advisable to consult with a qualified real estate attorney or other legal professional to obtain personalized advice and guidance on your particular circumstances.
Tips To Make the Most of Living in a Mobile Home in California
Below are some tips for you to make the most of living in a mobile home in California and enjoy all the benefits that come with it.
Make It Your Own
One of the biggest advantages of living in a mobile home is the freedom to customize it according to your taste, preferences, and budget. From changing the flooring and wall colors to adding decor items and upgrading appliances, you can give your breath into your mobile home a personality. And you’ll love your home more for it!
Create Storage
Space can be limited in a mobile home. To keep your things organized and tidy, consider some storage solutions. You can use multi-functional furniture, such as beds that have storage space underneath, or you can install shelves and cabinets to maximize your vertical space.
Keep It Clean
Keep your home clean and free of dust and dirt (duh!). Regularly vacuuming, dusting, and wiping surfaces can make a massive difference in the overall cleanliness and appearance of your home (again, duh!).
Take Advantage of Outdoor Space
If you have outdoor space, such as a patio or lawn, take advantage of it by creating an outdoor living area. You can add seating, plants, and lighting to have a cozy and inviting space to relax, enjoy your morning coffee, or entertain guests.
Get Involved in the Community
Mobile home parks often have a tight-knit community where people share amenities and organize events. So why not get involved? Investing time in cultivating friendships can lead to better health and a positive outlook for years to come. Engaging with your community also helps you stay up-to-date with news and events and feel more connected to your home.
Save Energy
New manufactured homes can be designed to use energy efficiently and renewable energy, much like site-built homes (likewise, you can improve the energy efficiency of older manufactured homes by remodeling or retrofitting them).
Despite the availability of energy-saving technologies, it is ultimately up to you to make use of them. You can start by upgrading to energy-efficient appliances, putting up window coverings to keep out the sun’s heat, and using LED light bulbs to reduce electricity bills. While you may have to spend some money upfront, it’s a wise investment in the long run.
Be Prepared for Maintenance
Like any home, mobile homes require maintenance and repairs from time to time. So stay on top of maintenance tasks, such as checking for leaks, replacing air filters, and inspecting the roof to prevent costly repairs down the line.
Final Word
Purchasing a house is a big financial and personal commitment. That’s why it’s important you’re making the best available decision, considering your needs and situation.
In California, buying a mobile home can be a cost-effective alternative to traditional houses, offering the same comforts and security at a lower price. We covered key aspects that you should keep in mind when buying a mobile home in this guide, including housing costs, benefits of mobile homes compared to traditional houses, types of mobile homes, financing options, legal considerations, and tips to make the most of living in a mobile home.
When buying a mobile home, consider affordability, mobility, customization, energy efficiency, low maintenance, and community living. You can choose from different types of mobile homes, such as single-wide, double-wide, and triple-wide, depending on your needs. Financing options include chattel loans, personal loans, government financing, and dealer financing.
You should also be aware of legal requirements and protections when buying a mobile home in California, as mobile homes are regulated by the California Department of Housing and Community Development (HCD). Mobile home residents have specific legal rights and protections.
And to make the most of living in a mobile home in California, you can customize your home, create storage, keep it clean, take advantage of outdoor space, get involved in the community, save energy, and be prepared for maintenance.
Finally, if you’re ready to take the big leap and buy a mobile home, Storz Management Company is here for you. We have a place you can call home in our California communities, with parks at Atwater, Bakersfield, Desert Hot Springs, Empire, Galt, and Sacramento.
Call us at (916) 989-5333 or contact us on this page to learn more about our communities. We’ll be happy to welcome you soon, neighbor!
